Voluntary Benefits
Denver Health offers the following voluntary benefits to support your financial well-being.
SUPPLEMENTAL LIFE AND AD&D INSURANCE
Denver Health provides you the option to purchase supplemental life and AD&D insurance for yourself, your spouse and your dependent children through Unum.
You must purchase supplemental coverage for yourself in order to purchase coverage for your spouse and/or dependents. Supplemental life rates are age-banded. Benefits will reduce to 65% at age 70 and to 50% at age 75.
- Employee: Increments of $10,000 up to $500,000—guarantee issue: $250,000
- Spouse: Increments of $10,000 up to $500,000 or 100% of employee election, whichever is less—guarantee issue: $50,000
- Dependent children: Live birth to 14 days: $1,000; 14 days to age 26: Up to $10,000—guarantee issue: $10,000
If you elect supplemental coverage when you’re first eligible to enroll, you may purchase up to the guarantee issue amount(s) without completing a statement of health (evidence of insurability). If you do not enroll when first eligible or are currently enrolled and choose to increase coverage during a subsequent annual open enrollment period, you will be required to submit evidence of insurability for any amount of coverage. Coverage will not take effect until approved by Unum.
ACCIDENT INSURANCE
Denver Health provides you the option to purchase accident insurance through Unum. Accident insurance helps protect against the financial burden that accident-related costs can create. This means that you will have added financial resources to help with expenses incurred due to an injury, to help with ongoing living expenses, or to help with any purpose you choose. Claims payments are made in flat amounts based on services incurred during an accident.
Accident Insurance Costs
Listed below are the monthly costs for accident insurance.
HOSPITAL INDEMNITY INSURANCE
Hospital indemnity insurance is designed to complement medical coverage costs by paying a cash benefit following a hospitalization. This option will pay benefits that help you with costs associated with a hospital visit such as a covered accident, illness, or childbirth. This benefit pays you a lump-sum upon admittance so that you can choose how best to cover your expense.
The plan pays a $50 benefit once per calendar year when you or your dependents complete a covered wellness screening.
- Hospital admission: $1,500 per admission (2 days per year)
- Hospital confinement: $100 per day for 365 days
- Hospital ICU admission: $1,000 per admission ( 2 days per year)
- Hospital intensive care unit confinement: $100 per day for 30 days
Hospital Indemnity Insurance Costs
Listed below are the monthly costs for hospital indemnity insurance.
CRITICAL ILLNESS INSURANCE
Denver Health provides you the option to purchase critical illness insurance through Unum. Critical illness insurance provides a financial, lump-sum benefit upon diagnosis of a covered illness. These covered illnesses are typically very severe and likely to render the affected person incapable of working. Because of the financial strain these illnesses can place on individuals and families, critical illness insurance is designed to help you pay your mortgage, seek experimental treatment, or handle unexpected medical expenses.
Critical Illness Insurance Costs
Listed below are the monthly costs for critical illness insurance. The amount you pay for coverage is deducted from your paycheck on a post-tax basis.
LEGAL PROTECTION
Denver Health provides you with the option to purchase a legal plan through MetLife. The legal plan includes advice from an attorney on an unlimited number of topics, letters and phone calls on your behalf, legal document review (up to 15 pages), will preparation, and trial defense hours.
The cost for legal protection is $17.50 per month for you, your spouse, and your dependents.
Visit metlife.com or call 800-821-6400 for more information.
PET INSURANCE
Denver Health provides you with the option to purchase pet insurance through Nationwide. Pet insurance is designed to help you save up to 25% on veterinary expenses with contracted veterinarians. Pet insurance provides coverage for a wide range of veterinary services, such as wellness visits, vaccinations, surgical procedures, medical care following accidents and illnesses, and more. Participating veterinarians can be found at petinsurance.com/denverhealth.
Contact Nationwide at 888-899-4874 for a quote.
HOME AND AUTO INSURANCE
Denver Health provides you with the option to purchase auto, home, and renters insurance through Farmers Group Select. The auto and home insurance plans offer special group rates to insure your property against personal liability. You may elect this benefit at any time and payments are made through convenient payroll deductions.
Enroll at farmers.com.
OPEN ENROLLMENT FOR 2024 BENEFITS HAS ENDED.
IF YOU ARE A NEW HIRE OR IF YOU HAVE EXPERIENCED A QUALIFYING LIFE EVENT, PLEASE FOLLOW THE INSTRUCTIONS BELOW.
- Contact the Benefits Concierge Center at 303-602-6947, Option 2 (Monday - Friday from 6 a.m. to 6 p.m. MST) during the open enrollment period. Benefits counselors are ready to assist you.
- Book an appointment with a benefits counselor below.
- Self-enroll by logging into the Workday system. If you need assistance with your username and password, please contact the IT help desk at 303-436-3777.